Manager Credit Policy Analysis.Credit Management MBP

Mashreq NEO CORP; Pakistan; On-site; PKR 1,800,000 - 3,000,000; Full time

Job summary

Mashreq NEO CORP is seeking an experienced Retail Credit professional to assess and approve lending applications in line with policy, risk criteria, and regulatory requirements. You will collaborate with business, technology, risk, and analytics teams to enhance digital credit journeys and ensure audit readiness.

Ideal candidates have 4–6 years in retail credit, solid analytical skills, and experience with credit cards and personal loans. Prior automation and digital banking exposure is a plus.

Qualifications

• Bachelor's degree; Masters preferred.
• 4–6 years in Retail Credit (Underwriting, Analytics, Policy).
• Experience with credit cards and personal loans.
• Knowledge of Credit Bureau assessment.
• Strong analytical and risk-awareness.
• Experience with automated decision engines preferred.
• Excellent communication and time management.
• Digital banking experience preferred.

Responsibilities

• Prepare MIS, portfolio monitoring, and management reporting.
• Support policy implementation, maintenance, and digital journey configuration.
• Manage Credit Bureau reporting and reconciliation.
• Coordinate SBP regulatory reporting requirements.
• Liaise between Business, Technology, Operations, Risk, Analytics and stakeholders for journey implementation, policy changes and process enhancements.
• Support UAT, process automation initiatives, change requests and ongoing optimization of digital credit journeys.
• Maintain process documentation, governance requirements, controls and audit readiness.
• Provide operational support for new product launches while ensuring policy/regulatory compliance.

Skills

Analytical thinking

Attention to detail

Decision making

Communication skills

Risk awareness

Integrity

Time management

Digital banking

Automated decisioning

Education

Bachelor's degree

Masters preferred

Tools

Loan Origination Systems

Decision Engines

Credit Bureau systems

Job description

Job Purpose

To assess and approve/recommend retail lending applications in accordance with the Bank's Credit Policy, Risk Acceptance Criteria, Product Program Guide, regulatory requirements, and delegated lending authority while maintaining an appropriate balance between portfolio growth and credit quality.

Key Result Areas

• Preparation and management of MIS, portfolio monitoring, and management reporting.
• Supporting Credit Policy implementation, maintenance, and digital journey configuration/coding.
• Managing Credit Bureau reporting and reconciliation activities.
• Preparing and coordinating SBP regulatory reporting requirements.
• Acting as a key liaison between Business, Technology, Operations, Risk, Analytics, and external stakeholders for journey implementation, policy changes, and process enhancements.
• Supporting UAT, process automation initiatives, change requests, and ongoing optimization of digital credit journeys.
• Maintaining process documentation, governance requirements, controls, and audit readiness.
• Providing operational support for new product launches while ensuring adherence to policy and regulatory requirements.

Knowledge, Skills and Experience

Qualifications
Competency

• Bachelor's degree, Masters Preferred.
• Analytical thinking
• Attention to detail
• Experience
• Risk awareness
• 4–6 years in Retail Credit (Underwriting, Analytics, Policy)
• Decision making
• Experience in Credit Cards and Personal Loans
• Integrity
• Experience with automated decision engines preferred
• Communication skills
• Knowledge of Credit Bureau assessment
• Time management
• Digital banking experience preferred.
• Bureau and SBP ReportingTechnical Skills

• Analytics
• Financial analysis
• Credit risk assessment
• Credit bureau interpretation
• Fraud awareness, Loan Origination Systems and Decision Engines